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Disclaimer

Disclaimer

BRIGHTERPAYS IS NOT A LENDER OR A BROKER, does not make offers for loans and does not charge you for any service or products. This site allows you to submit your information to our network of lenders to determine if they maybe be able to offer you a personal loan ranging from $100 up to $10,000 or a cash advance loan of up to $1,000. The type of loan, actual amounts, terms, and APR a customer could qualify for will vary based on credit scores, individual lender requirements, and individual state laws. This service is not available in New York. Furthermore, this service may not be available in Connecticut or New Jersey or to Connecticut or New Jersey borrowers due to interest rate limits under each state’s laws. We further reserve the right to limit this service to residents of other states based on applicable law. Credit checks may be obtained by some lenders. By using our content and services, you agree to our PRIVACY POLICY, TERMS OF USE, and DISCLAIMER.

Because BrighterPays is not a lender, we cannot ultimately decide whether or not you are approved for a loan and cannot determine or influence the amount of money you may receive using our referral services. The operator of this web site will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue loans. Providing your information on this web site does not guarantee that you will be chosen by a lender or approved for a loan. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.

Because each lender is different and BrighterPays has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. BrighterPays cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who submit a request for credit will be chosen by a lender or approved for loan. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

Any of the information that you read on this website may be changed at any time without any prior notice. We cannot guarantee that your submitted information will be provided to a lender or that a lender will approve you for a loan. Not all lenders can provide up to $10,000. The loans that may be offered by a lender are often expensive forms of credit and are intended to provide you with a personal loan or short-term financing to solve immediate financial needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional credit counselor.

BrighterPays strives to keep you updated with state laws governing availability, maximum loan amounts, and loan terms for short-term loans for each state. As you may know, these regulations vary from state to state. Visit the Rates & Fees page to view information regarding this information as, as well as the information for your state regulator. Rates and fees will vary depending upon lender.

If you are given an option to obtain a loan from a tribal lender, these lenders are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms. Please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.

Testimonial Disclaimer: These are not actual testimonials, but they are representative of BrighterPays services.

Marketing Disclosures

BrighterPays.com is a loan marketplace. We offer an infomediary service that will attempt to connect you with independent, third party lenders and financial service providers who may secure a loan for you or offer you goods and services. The owner of this website has a financial connection to the providers of the goods and services referred to on the website. The owner may receive payment for each qualified sale or payment for each potential customer referral. The owner may also be advertising on behalf of a third party advertiser with whom the provider of the products or services also has a financial connection with, in that both advertisers may receive payment for each qualified sale or payment for each potential customer referral. All information regarding the products and services on this website are provided by the third party advertiser. Upon submitting a loan request form, you may be redirected to the third party advertiser’s website or contacted by the third party advertiser, where you are encouraged and should review their privacy practices and terms and conditions, which may differ substantially from our own. This website and its owners are not affiliated with these third party advertisers other than what has been described above. The owner of this website does not recommend or endorse any specific lender, product, or service on this website.

Consumer Notice

Short-term loans are made for the purpose of assisting consumers with short-term financing to resolve immediate cash needs and should not be considered a long-term solution. Personal loans are generally offered in larger amounts and at lower annual percentage rates but terms may vary, and no guarantee is made that you will qualify or that our network of lenders will offer a personal loan. Both personal loans and short-term loans are expensive forms of credit, and consumers should evaluate whether such loans are appropriate for their particular situation. Submitting a loan request on this website does not guarantee that you will be connected with an independent lender or approved for a personal loan or short-term loan. Loan terms, including loan amounts and transfer times for loans, vary among lenders and may be dependent upon the laws of the state in which you reside. If you are connected with a lender on our website, you may be directed to a third party website whose privacy practices and terms of use may significantly differ from our own. You are encouraged to read your lender’s privacy practices and terms of use. Consumers facing financial debt difficulties should seek advice from the appropriate professional before entering into any type of loan. You are encouraged to contact your lender directly for more information.